RBKB
ACHAT TOTAL: 49 925 titres (~596 537,88 $ US)
- Insiders
- Loughlin Suzanne, Patzwahl Nancy Koskey, Smith Matthew James
- Total bought
- $596,538
- Total sold
- —
- Last activity
- 2026-07-22
- Last synced
-
2026-07-29 15:28:58
Insider holdings as a share of total assets aren't available for this company.
Price (1 year)
Live chart from TradingView - pulls its own market data, independent of this site's database. Symbol resolution is best-effort (defaults to NASDAQ) since we don't store the exchange prefix.
Market snapshot
Signal
Neutral signal Scored 2026-07-29
A meaningful insider cluster buy (~$596k across 3 insiders, aligned with Q2 results and second-step conversion) provides a credible near-term catalyst, supported by a genuine operational turnaround and improving margins…
The first sentence of the analysis written for RBKB on 2026-07-29 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 68.2% | 47.8% | 63.3% | 85.0% | 98.8% | |
| Ebit Margin | 16.7% | -20.2% | 8.5% | 16.3% | 29.3% | |
| Ebitda Margin | 17.9% | -17.5% | 10.7% | 19.3% | 32.6% | |
| Operating Profit Margin | 16.7% | -20.2% | 8.5% | 16.3% | 29.3% | |
| Pretax Profit Margin | 16.7% | -20.2% | 8.5% | 16.3% | 29.3% | |
| Continuous Operations Profit Margin | 13.2% | -15.9% | 6.6% | 12.8% | 22.6% | |
| Net Profit Margin | 13.2% | -15.9% | 6.6% | 12.8% | 22.6% | |
| Bottom Line Profit Margin | 13.2% | -15.9% | 6.6% | 12.8% | 22.6% | |
| Current Ratio | 0.115 | 0.146 | 0.159 | 0.212 | 0.270 | |
| Quick Ratio | 0.115 | 0.146 | 0.159 | 0.212 | 0.270 | |
| Solvency Ratio | 0.009 | -0.006 | 0.005 | 0.007 | 0.011 | |
| Cash Ratio | 0.017 | 0.018 | 0.014 | 0.015 | 0.017 | |
| Price To Earnings Ratio | 9.247 | -8.650 | 14.049 | 10.031 | 7.131 | |
| Price To Earnings Growth Ratio | -0.043 | 0.029 | -0.380 | -0.256 | 0.075 | |
| Forward Price To Earnings Growth Ratio | -0.043 | 0.029 | -0.380 | -0.256 | 0.075 | |
| Price To Book Ratio | 0.682 | 0.611 | 0.547 | 0.654 | 0.652 | |
| Price To Sales Ratio | 1.230 | 1.372 | 0.936 | 1.296 | 1.608 | |
| Price To Free Cash Flow Ratio | 8.564 | 9.695 | 9.605 | 5.173 | 13.979 | |
| Price To Operating Cash Flow Ratio | 7.944 | 8.789 | 8.817 | 4.777 | 10.738 | |
| Debt To Assets Ratio | 0.023 | 0.060 | 0.101 | 0.047 | 0.018 | |
| Debt To Equity Ratio | 0.221 | 0.615 | 1.172 | 0.581 | 0.184 | |
| Debt To Capital Ratio | 0.181 | 0.381 | 0.540 | 0.368 | 0.156 | |
| Long Term Debt To Capital Ratio | 0.173 | 0.311 | 0.540 | 0.368 | 0.156 | |
| Financial Leverage Ratio | 9.512 | 10.307 | 11.551 | 12.355 | 10.170 | |
| Working Capital Turnover Ratio | -0.082 | -0.062 | -0.075 | -0.063 | -0.065 | |
| Operating Cash Flow Ratio | 0.011 | 0.008 | 0.007 | 0.013 | 0.007 | |
| Operating Cash Flow Sales Ratio | 0.155 | 0.156 | 0.106 | 0.271 | 0.150 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.928 | 0.907 | 0.918 | 0.923 | 0.768 | |
| Debt Service Coverage Ratio | 0.454 | -0.158 | 0.259 | 1.280 | 3.082 | |
| Interest Coverage Ratio | 0.564 | -0.428 | 0.247 | 1.317 | 3.497 | |
| Short Term Operating Cash Flow Coverage Ratio | 7.276 | 0.423 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.387 | 0.113 | 0.053 | 0.235 | 0.330 | |
| Capital Expenditure Coverage Ratio | 13.815 | 10.708 | 12.194 | 13.070 | 4.313 | |
| Dividend Paid And Capex Coverage Ratio | 13.815 | 10.708 | 12.194 | 13.070 | 4.313 | |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Enterprise Value Multiple | 7.720 | -13.685 | 25.437 | 11.065 | 5.161 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 68.2% | ▲20.4% | ▼-4.4% |
| Ebit Margin | 16.7% | ▲36.9% | ▲6.6% |
| Ebitda Margin | 17.9% | ▲35.4% | ▲5.3% |
| Operating Profit Margin | 16.7% | ▲36.9% | ▲6.6% |
| Pretax Profit Margin | 16.7% | ▲36.9% | ▲6.6% |
| Continuous Operations Profit Margin | 13.2% | ▲29.1% | ▲5.4% |
| Net Profit Margin | 13.2% | ▲29.1% | ▲5.4% |
| Bottom Line Profit Margin | 13.2% | ▲29.1% | ▲5.4% |
| Current Ratio | 0.116 | ▼-0.030 | ▼-0.065 |
| Quick Ratio | 0.116 | ▼-0.030 | ▼-0.065 |
| Solvency Ratio | 0.009 | ▲0.016 | ▲0.004 |
| Cash Ratio | 0.017 | ▼-0.001 | ▲0.001 |
| Price To Earnings Ratio | 9.247 | ▲17.897 | ▲2.886 |
| Price To Earnings Growth Ratio | -0.043 | ▼-0.072 | ▲0.072 |
| Forward Price To Earnings Growth Ratio | -0.043 | ▼-0.072 | ▲0.072 |
| Price To Book Ratio | 0.682 | ▲0.071 | ▲0.053 |
| Price To Sales Ratio | 1.230 | ▼-0.142 | ▼-0.058 |
| Price To Free Cash Flow Ratio | 8.564 | ▼-1.131 | ▼-0.839 |
| Price To Operating Cash Flow Ratio | 7.944 | ▼-0.845 | ▼-0.269 |
| Debt To Assets Ratio | 0.023 | ▼-0.036 | ▼-0.027 |
| Debt To Equity Ratio | 0.222 | ▼-0.394 | ▼-0.333 |
| Debt To Capital Ratio | 0.181 | ▼-0.200 | ▼-0.144 |
| Long Term Debt To Capital Ratio | 0.173 | ▼-0.137 | ▼-0.136 |
| Financial Leverage Ratio | 9.512 | ▼-0.795 | ▼-1.267 |
| Working Capital Turnover Ratio | -0.082 | ▼-0.020 | ▼-0.012 |
| Operating Cash Flow Ratio | 0.011 | ▲0.003 | ▲0.002 |
| Operating Cash Flow Sales Ratio | 0.155 | ▼-0.001 | ▼-0.013 |
| Free Cash Flow Operating Cash Flow Ratio | 0.928 | ▲0.021 | ▲0.039 |
| Debt Service Coverage Ratio | 0.454 | ▲0.612 | ▼-0.530 |
| Interest Coverage Ratio | 0.564 | ▲0.993 | ▼-0.475 |
| Short Term Operating Cash Flow Coverage Ratio | 7.276 | ▲6.852 | ▲5.736 |
| Operating Cash Flow Coverage Ratio | 0.388 | ▲0.274 | ▲0.164 |
| Capital Expenditure Coverage Ratio | 13.815 | ▲3.107 | ▲2.995 |
| Dividend Paid And Capex Coverage Ratio | 13.815 | ▲3.107 | ▲2.995 |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 |
| Enterprise Value Multiple | 7.720 | ▲21.405 | ▲0.581 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $93.3M | $74.4M | $62.1M | $70.7M | $82.2M | |
| Enterprise value | $104.8M | $130.2M | $180.8M | $116.7M | $85.9M | |
| EV / Sales | 1.38x | 2.40x | 2.72x | 2.14x | 1.68x | |
| EV / Op. cash flow | 8.92x | 15.37x | 25.65x | 7.89x | 11.23x | |
| EV / Free cash flow | 9.62x | 16.95x | 27.94x | 8.54x | 14.62x | |
| EV / EBITDA | 7.72x | -13.69x | 25.44x | 11.06x | 5.16x | |
| Net debt / EBITDA | 0.85x | -5.86x | 16.69x | 4.37x | 0.23x | |
| Current ratio | 0.12x | 0.15x | 0.16x | 0.21x | 0.27x | |
| Income quality | 1.17x | -0.98x | 1.60x | 2.11x | 0.66x | |
| Graham number | $16 | — | $10 | $12 | $17 | |
| Graham net-net | -$96 | -$91 | -$96 | -$91 | -$79 | |
| Tax burden | 79.2% | 78.8% | 78.3% | 78.7% | 77.1% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$972.0M | -$889.1M | -$866.8M | -$910.5M | -$819.8M | |
| Invested capital | -$956.1M | -$872.6M | -$846.8M | -$889.2M | -$797.9M | |
| Return on assets | 0.8% | -0.7% | 0.3% | 0.5% | 0.9% | |
| Operating ROA | 1.0% | -0.9% | 0.4% | 0.7% | 1.2% | |
| Return on tangible assets | 0.8% | -0.7% | 0.3% | 0.5% | 0.9% | |
| Return on equity | 7.3% | -7.1% | 3.9% | 6.5% | 9.2% | |
| Return on invested capital | 4.9% | -3.7% | 1.6% | 3.9% | 7.3% | |
| Return on capital employed | 6.3% | -5.1% | 2.0% | 4.9% | 9.5% | |
| Earnings yield | 10.8% | -11.6% | 7.1% | 9.9% | 14.1% | |
| Free cash flow yield | 11.7% | 10.3% | 10.4% | 19.3% | 7.2% | |
| Capex / Op. cash flow | 7.2% | 9.3% | 8.2% | 7.7% | 23.2% | |
| Capex / Depreciation | 62.6% | 55.6% | 38.7% | 68.4% | 107.1% | |
| Capex / Sales | 1.1% | 1.5% | 0.9% | 2.1% | 3.5% | |
| SG&A / Sales | 16.0% | 40.7% | 32.0% | 42.4% | 45.7% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.4% | 0.4% | 0.8% | 1.5% | 1.7% | |
| Intangibles / Total assets | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | |
| Days sales outstanding | 23d | 30d | 25d | 28d | 24d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 23d | 30d | 25d | 28d | 24d | |
| Cash conversion cycle | 23d | 30d | 25d | 28d | 24d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▲+25.3%EV / Sales ▼-42.4%EV / EBITDA ▲+156.4%EV / Op. cash flow ▼-6.450Earnings yield ▲+0.223
Profitability
Return on equity ▲+0.144Return on assets ▲+0.015Return on invested capital ▲+0.086Return on capital employed ▲+0.113Operating ROA ▲+0.018Income quality ▲+2.152Tax burden ▲+0.004
Efficiency
Days sales outstanding ▼-6.342Days payables outstanding n/aOperating cycle ▼-6.342Cash conversion cycle ▼-6.342Capex / Sales ▼-0.003R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.030Net debt / EBITDA ▲+6.706Working capital ▼-82936000.000Invested capital ▼-83480000.000Intangibles / Total assets -0.000
Change over 5 years
Valuation
Market cap ▲+13.5%EV / Sales ▼-17.8%EV / EBITDA ▲+49.6%EV / Op. cash flow ▼-2.307Earnings yield ▼-0.033Graham number ▼-0.594
Profitability
Return on equity ▼-0.018Return on assets ▼-0.001Return on invested capital ▼-0.024Return on capital employed ▼-0.032Operating ROA ▼-0.003Income quality ▲+0.507Tax burden ▲+0.021
Efficiency
Days sales outstanding ▼-0.546Days payables outstanding n/aOperating cycle ▼-0.546Cash conversion cycle ▼-0.546Capex / Sales ▼-0.024R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.154Net debt / EBITDA ▲+0.621Working capital ▼-152266000.000Invested capital ▼-158155000.000Intangibles / Total assets -0.000
Employee count
Peer market caps
Congressional trades
No congressional trade data synced.
Recent news
- 2026-07-23 Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended June 30, 2026 and Completes Second-Step Conversion POUGHKEEPSIE, NY / ACCESS Newswire / July 23, 2026 / Rhinebeck Bancorp, Inc. (the "Company") (NASDAQ:RBKB), the holding company of Rhinebeck Bank (the "Bank"), reported net income for the three months ended June 30, 2026 of $2.6 million ($0.24 per basic and diluted share), which was $110,000, or 4.0%, lower than the comparable prior year period of $2.7 million ($0.25 per basic and diluted share). Net income for the six months ended June 30, 2026 of $4.8 million ($0.45 per basic and $0.44 per diluted share) was $182,000, or 3.6%, lower than the same period last year.
- 2026-07-21 Rhinebeck Bancorp, Inc. Announces Completion of Conversion and Offering POUGHKEEPSIE, NY / ACCESS Newswire / July 21, 2026 / Rhinebeck Bancorp, Inc. (NASDAQ Capital Market:RBKB) (the "Company"), the holding company for Rhinebeck Bank, announced that Rhinebeck Bancorp, MHC (the "MHC") has completed its "second-step" conversion from the two-tier mutual holding company structure to the fully-public stock holding company structure (the "Conversion"), and that the Company has completed its offering. As a result of the closing of the Conversion, the MHC will cease to exist.
- 2026-07-17 Rhinebeck Bancorp, Inc. Announces Subscription Offering Results and Expected Closing Date POUGHKEEPSIE, NY / ACCESS Newswire / July 17, 2026 / Rhinebeck Bancorp, Inc. (Nasdaq Capital Market:RBKB) (the "Company"), the holding company for Rhinebeck Bank (the "Bank"), announced the results of the subscription offering conducted in connection with the mutual-to-stock conversion of Rhinebeck Bancorp, MHC, the mutual holding company of the Bank. The subscription offering, which expired on June 18, 2026, was oversubscribed in the first tier by eligible depositors of the Bank as of the close of business on December 31, 2024.
- 2026-07-15 Rhinebeck Bank Expands Commercial Banking Presence With New Westchester County Office RYE BROOK, NY / ACCESS Newswire / July 15, 2026 / Rhinebeck Bank, the wholly owned subsidiary of Rhinebeck Bancorp, Inc. (NASDAQ:RBKB), today announced the opening of a Commercial Lending Representative Office in Rye Brook, New York, expanding the Bank's presence into Westchester County and demonstrating its commitment to serving one of the region's most dynamic business communities. The new office will provide businesses throughout Westchester County with local access to experienced commercial bankers and a full suite of relationship-focused lending solutions, including commercial real estate financing, construction loans, equipment financing and commercial lines of credit.
- 2026-06-29 Rhinebeck Bancorp, Inc. Announces Stockholder and Depositor Approvals of Pending Conversion Transaction POUGHKEEPSIE, NY / ACCESS Newswire / June 29, 2026 / Rhinebeck Bancorp, Inc. (NASDAQ:RBKB) (the "Company"), the holding company for Rhinebeck Bank (the "Bank"), announced that at special meetings held on June 29, 2026, the stockholders of the Company and the depositors of the Bank approved the Amended and Restated Plan of Conversion and Reorganization, whereby Rhinebeck Bancorp, MHC, the mutual holding company for the Company and the Bank, will convert from the mutual holding company structure to the fully public stock holding company structure. The closing of the conversion and related stock offering remains subject to receipt of final regulatory approvals, the sale of at least 6,587,500 shares of common stock, and customary closing conditions.
- 2026-05-26 Rhinebeck Bancorp, Inc. Announces Commencement of Stock Offering POUGHKEEPSIE, NY / ACCESS Newswire / May 26, 2026 / Rhinebeck Bancorp, Inc. ("Rhinebeck Bancorp") (NASDAQ:RBKB), the holding company for Rhinebeck Bank (the "Bank"), announced that Rhinebeck Bancorp has commenced its stock offering in connection with the proposed "second-step" conversion of Rhinebeck Bancorp, MHC from the mutual holding company to the stock holding company form of organization. Rhinebeck Bancorp is offering for sale up to 8,912,500 shares of its common stock at a purchase price of $10.00 per share.